The Pennsville National Bank
Also written as PNB
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Data as of · sourced from FFIEC call reports. How we update
The Pennsville National Bank is an FDIC-insured commercial bank headquartered in Pennsville, NJ, established in 1969 (FDIC certificate 19978), and it is supervised by the OCC. At Q2 2026 it reported total assets of $281.8M, up 0.3% from Q2 2025, the 42nd largest of 49 banks headquartered in New Jersey. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.23% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 19978
- Headquarters
- Pennsville, NJ
- Established
- 1969
- Total assets, Q2 2026
- $281.8M
- Assets vs Q2 2025
- +0.3%
- Tier 1 leverage ratio, Q2 2026
- 10.23%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 031201085
- Latest call report
- Q2 2026, FFIEC 051 · The Pennsville National Bank Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- PENN BANCSHARES, INC.
- Asset rank in state
- 42nd of 49 in New Jersey
Problem loans are rising at The Pennsville National Bank. The Pennsville, New Jersey bank had $282 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.41% of loans from 0.78% a year earlier. It pays an average of 0.26% on its deposits and borrowings, a small fraction of the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also holds commercial real estate loans equal to only 22% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans rose 19.0% and deposits fell 0.6%.
As of June 30, 2026, The Pennsville National Bank reported a return on assets of 1.53%, a nonperforming-loan ratio of 1.41% and a Texas ratio of 6.24%. The figures come from its call report filed with the FFIEC.
The Pennsville National Bank ranks as the 42nd largest of the 49 banks based in New Jersey, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.7% to $281.8M, loans rose 4.3% and deposits fell 3.4%. 1-4 family residential loans made up 48.4% of its total loans on June 30, 2026, its largest category; next came loans to states and political subdivisions at 21.5%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in NJ; its Pennsville office books 60% of its branch deposits. On its Q2 2026 call report, The Pennsville National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 170 S Broadway, Pennsville, NJ 08070
- County
- Salem
- Metro Area
- Philadelphia-Camden-Wilmington, Pa-NJ-De-MD
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 23, 1969
- Former names
- The Pennsville National Bank (1973)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $251.6M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $68K
- Average total assets
- $288.9M
- Average total loans
- $128.7M
- Average interest-bearing deposits
- $208.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 23, 1969
- FDIC Cert
- 19978
- Fed RSSD
- 828110
- Website
- www.pennsvillenb.com →
- Parent Holding Company
- PENN BANCSHARES, INC. (RSSD 1132757)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Pennsville National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Pennsville National Bank's total assets ran between $273.7M (Q2 2024) and $289.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$281.8M total assets against $281.1M; $253.3M total liabilities against $255.3M.
$130.1M net loans and leases against $109.3M; $251.6M total deposits against $253.2M.
$109.1M securities against $115.2M; $34.7M cash and balances due against $50.1M.
$3.1M total interest income against $3.1M; $168K total interest expense against $301K.
$3.0M net interest income against $2.8M.
$251K total noninterest income against $247K; $1.8M total noninterest expense against $1.4M.
$90K provision for credit losses against $280K.
$1.1M net income against $1.1M.
1.53% return on assets against 1.54%; 4.31% net interest margin against 4.16%.
10.23% tier 1 leverage ratio against 9.28%.
Inside the full The Pennsville National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Pennsville National Bank rankings
Its closest position to the top of a national ranking is 1,089 of 3,640, for Texas Ratio; its furthest is 2,550 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.99% (Q3 2024) to 1.64% (Q4 2025) and its net interest margin ran from 3.19% (Q3 2024) to 4.33% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.23% | 1.53% | 1.41% | 6.24% | 4.31% |
| Q1 2026 | 9.98% | 1.39% | 1.18% | 5.14% | 4.10% |
| Q4 2025 | 9.79% | 1.64% | 1.05% | 4.55% | 4.33% |
| Q3 2025 | 9.58% | 1.41% | 0.61% | 2.51% | 4.06% |
| Q2 2025 | 9.28% | 1.54% | 0.78% | 3.19% | 4.16% |
| Q1 2025 | 8.97% | 1.33% | 0.83% | 3.50% | 3.80% |
| Q4 2024 | 8.87% | 1.29% | 0.87% | 3.94% | 3.70% |
| Q3 2024 | 8.74% | 0.99% | 0.75% | 3.17% | 3.19% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Pennsville National Bank | Pennsville , NJ | 08070 | $150.1M |
| Carneys Point Branch | Carneys Point , NJ | 08069 | $35.0M |
| Pedricktown Branch | Pedricktown , NJ | 08067 | $26.0M |
| Woodstown Office | Woodstown , NJ | 08098 | $20.5M |
| Elmer Branch | Elmer , NJ | 08318 | $20.1M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC (former OTS)); 1 against individuals associated with it. These actions name the parent holding company, PENN BANCSHARES, INC., not the bank itself
- March 16, 1992, OCC (former OTS): Cease and Desist: Penn Federal Savings Bank
- Period: Most recent institution action March 16, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NJ, rank 65 of 96 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Pennsville National Bank
What are The Pennsville National Bank's total assets?
As of the Q2 2026 filing, The Pennsville National Bank reported total assets of $281.8 million in its FFIEC call report.
Where is The Pennsville National Bank headquartered?
It is headquartered in Pennsville, NJ, United States.
When was The Pennsville National Bank founded?
It was established in 1969, per the FDIC institution directory.
Is The Pennsville National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19978). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Pennsville National Bank?
The Pennsville National Bank's primary federal regulator is the OCC.
How many branches does The Pennsville National Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Pennsville National Bank's Texas Ratio?
Its Texas Ratio is 6.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Pennsville National Bank previously called?
The charter now named The Pennsville National Bank has also operated as The Pennsville National Bank (1973), per FDIC structure-change records.
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